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What impact will the central bank's interest rate cut and RRR's interest rate cut have on the operation of commercial banks?
According to the analysis, interest rate cuts are directly beneficial to industries with high debt ratio, such as real estate, infrastructure, nonferrous metals, coal, securities and other industries. However, it remains to be seen whether the banking industry can enjoy the benefits of interest rate cuts.

There is no doubt that this is a major positive. Because of the falling currency price, the operating cost of enterprises is reduced, and the financing cost of the stock market is also reduced, which will stimulate more funds to flow to the stock market and also stimulate enterprise investment. These are certainly good for the stock market.

As a result of this interest rate cut, the stock market will undoubtedly seek a breakthrough from the previous high. Once the volume breaks through, a new main rising wave can be established. Therefore, in the afternoon, investors should pay attention to the disk state of the market in the process of high-level breakthrough.

Extended data:

Interest rate reduction and directional reduction of deposit reserve ratio:

In order to further support the development of the real economy and promote structural adjustment, the People's Bank of China decided to reduce the deposit reserve ratio of financial institutions from June 28th, 1965.

(1) For city commercial banks and non-county rural commercial banks whose loans to agriculture, rural areas and farmers have reached the targeted reduction standard, the deposit reserve ratio will be reduced by 0.5 percentage points.

(2) For large state-owned commercial banks, joint-stock commercial banks and foreign banks whose loans to agriculture, rural areas and small and micro enterprises meet targeted cuts to required reserve ratios standards, the deposit reserve ratio will be lowered by 0.5 percentage points.

(3) Reduce the deposit reserve ratio of financial companies by 3 percentage points, and further encourage them to play a good role in improving the efficiency of enterprise capital utilization.

At the same time, from June 28th, 20 15, the benchmark interest rates of RMB loans and deposits of financial institutions will be lowered to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.85%; The benchmark interest rate for one-year deposits is lowered by 0.25 percentage points to 2%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. ?

Baidu encyclopedia-central bank cuts interest rates